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Important Notes

Disclaimer and Important Notes
Risk Disclosure:
Credit risk

The guaranteed cash value (if applicable) and insurance benefit are subject to the credit risk of Prudential and not guaranteed by Standard Chartered Bank (Hong Kong) Limited, Standard Chartered Bank or any of their subsidiaries or affiliates. The worst case such as insolvency of the insurer will result in total loss.

Surrender/early withdrawal/ liquidity risk

The Iiquidity of an insurance policy is limited. You are strongly advised to hold the policy until the end of benefit term and reserve adequate liquid assets for emergency use. For any surrender / withdrawal especially at the early stage upon policy inception, you may suffer from significant losses or even lose the entire premium (s) paid to the policy.

Non-guaranteed benefits (if applicable)

The product consists of non-guaranteed benefits and/or returns and its values presented in the marketing materials are not guaranteed and for illustrative purposes only. The actual future amounts of benefits and/or returns may be lower than or higher than the currently illustrated benefits and/ or returns.

Exchange rate and currency risk (if applicable)

Foreign currency (including Renminbi (“RMB”)) exchange rate may fall as well as rise. There can be a substantial exchange rate loss when converting the benefit value in plan currency back to another currency. In addition, you should note that the currency exchange arrangement that needs to be made for converting the benefits into other currencies is also subject to the relevant currency exchange restrictions applicable at the time when the benefits are paid. RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to restrictions specified by the bank and regulatory requirements applicable from time to time. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time. Converting foreign currency (including RMB) denominated benefits to another currency is the customer’s sole decision and responsibility. Prudential Hong Kong Limited (a member of Prudential plc group) ("Prudential") takes no responsibility for such arrangement. For RMB policy, all amounts payable will be made in RMB, subject to the applicable laws, regulations and guidelines issued by the relevant regulatory authorities from time to time, provided always that Prudential shall have the absolute discretion to make payment under this policy in HKD.


The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain Terms and Conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the Terms of the policy, the Terms of the policy shall prevail. For exact Terms and Conditions and details of the exclusions, please

The material and information contained on this webpage is provided for general information only and should not be used as a basis for making business decisions. Any advice or information received via this webpage should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You are recommended to obtain such professional advice where appropriate. The life assurance plans are life insurance products and are not bank deposit. They are underwritten by Prudential and distributed by Standard Chartered Bank (Hong Kong) Limited ("Standard Chartered"). Some of these plans may have a savings element and are not an alternative to ordinary savings or time deposits. Part of the premium pays for the insurance and related costs.

If you are not happy with your policy, you have a right to cancel it within the cooling-off period and obtain a refund of any premiums paid, less any withdrawals (if applicable), provided that no claim has been made under the policy. A written notice signed by you should be received directly by the Prudential’s Hong Kong Office at 8/F Prudential Tower, The Gateway Harbour City, 21 Canton Road, Tsim Sha Tsui, Kowloon, Hong Kong within the cooling-off period (that is, within 21 days after the delivery of the policy or issue of a notice (informing you or your representative about the availability of the policy and expiry date of the cooling-off period), whichever is the earlier). After the expiration of the cooling-off period, if you cancel the policy before the end of the term, the projected total cash value (if applicable) may be less than the total premium you have paid. You should check with Prudential if you have any doubt regarding your cooling-off right.

Standard Chartered Bank (Hong Kong) Limited (“Standard Chartered”) is an insurance agent of Prudential.

As the issuer of the life assurance plans, Prudential will be responsible for all protection and claims issues. Prudential is not an associate or subsidiary company of Standard Chartered. This webpage is not a contract of insurance and is intended to be a general summary for reference purpose only. Please refer to the policy for full terms and conditions. Standard Chartered does not accept any responsibilities regarding any statements provided by Prudential or any discrepancies or omissions in the contract of insurance nor shall Standard Chartered be held liable in any manner whatsoever in relation to your contract of insurance.

This webpage is intended to be valid in Hong Kong only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. Prudential and Standard Chartered do not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions. This webpage does not constitute a contract of insurance or an offer, invitations or recommendation to any person to enter into any contract of insurance or any transaction described therein or any similar transaction.

Whether to apply for insurance coverage is your own individual decision. For Prudential's life assurance plan policy provisions, details and risk disclosure, please refer to relevant plan's product leaflet/offering document and specimen policy.

In respect of an eligible dispute arising between Standard Chartered and the customer out of the selling process or processing of the related transaction, Standard Chartered is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly Prudential and the customer.